All cards / Axis Bank
Axis Bank Pride Signature Credit Card
Axis's flagship card for Indian Defence Forces and government employees, pairing a fee-free first year with a modest but consistent 0.8% base rate that also applies to fuel spend. The real draw is the CSD canteen discounts and defence-exclusive partner offers rather than the reward economics, and the ₹500 annual fee from year two waives itself on just ₹40,000 of yearly spend — an easy bar for a salaried cardholder to clear.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
0.8%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to salaried applicants who clear the standard eligibility bar whose spend is concentrated in fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.8% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per calendar quarter
Benefits by category
- ⛽ Fuel
0.8% reward rate · 1% fuel surcharge waiver at all fuel stations across India, with no minimum transaction requirement mentioned
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹15,000
- Employment: salaried
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹40,000
- Rewards redemption fee: ₹99 redemption processing fee applies on EDGE Reward point redemptions for vouchers/statement credit
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India
- Cash advance charges: 2.5% of the cash amount withdrawn, minimum ₹500
Benefits
- 1% fuel surcharge waiver at all fuel stations across India, with no minimum transaction requirement mentioned
- Discounts at Canteen Stores Department (CSD) outlets plus additional defence-exclusive offers from partner brands, tailored to serving and retired Indian Defence Forces personnel
Pros
- + No fee in the first year
- + Low ₹500 annual fee thereafter, waived on ₹40,000 of yearly spend
- + Discounts at CSD canteens plus other defence-exclusive partner offers
- + 0.8% reward rate on fuel spend, doubling the typical entry-card fuel earn
- + 1% fuel surcharge waiver at all fuel stations
Cons
- − Restricted to defence personnel and government employees, so not open to the general public
- − Modest 0.8% reward rate versus dedicated premium travel or cashback cards
- − No lounge access, milestone bonuses, or welcome offer listed